Mutual Fund Return Formulas
Lump Sum Return:
Future Value = Principal x (1 + CAGR%)^Years
Units from NAV:
Units = Investment Amount ÷ NAV
Current Value = Units x Current NAV
Absolute Return % = (Current NAV / Buy NAV − 1) x 100
CAGR = (Current NAV / Buy NAV)^(1/Years) − 1
Lump Sum + SIP:
Total FV = Lump Sum FV + SIP FV
Popular Mutual Fund Categories (India)
Large Cap: 10–13% CAGR (5-yr avg)
Mid Cap: 13–18%
Small Cap: 15–22% (higher risk)
Flexi/Multi Cap: 12–15%
ELSS (Tax Saving): 12–15% + 80C benefit
Debt Funds: 6–8%
Index Funds (Nifty 50): 13% (15-yr CAGR)
